Document Dates
July 20, 2026 (Dispatch date), June 23, 2026 (Board approval), March 31, 2026 (Year-end)
Financial Performance & Business Growth
City Union Bank reported strong financial results for FY 2025-26 with net profit of ₹1,326.23 crore, representing 18% growth from ₹1,123.63 crore in FY25. Total business grew 24% year-on-year to ₹1,45,007 crore, comprising deposits of ₹78,308 crore (23% growth) and advances of ₹66,699 crore (26% growth). Net Interest Income increased 22% to ₹2,830 crore.
Capital Adequacy & Asset Quality
The bank maintained robust capital position with Common Equity Tier 1 ratio at 20.82% and total CRAR at 21.92%, well above regulatory requirements. Asset quality showed significant improvement with gross NPA ratio declining to 1.91% from 3.09% and net NPA ratio improving to 0.68% from 1.25%. Provision coverage stood at 63.7% with total provisions of ₹254 crore for NPAs.
Dividend & Corporate Actions
The Board recommended a 200% dividend of ₹2 per equity share, subject to shareholder approval at the AGM. The bank allotted 20,61,528 equity shares under ESOP during FY26 aggregating ₹32.06 crore. Special business items for AGM include increasing authorized share capital from ₹100 crore to ₹200 crore and authorizing a ₹500 crore Qualified Institutional Placement.
Regulatory Compliance & AGM Details
The Annual Report was dispatched on July 20, 2026, with AGM scheduled for August 14, 2026 via video conferencing. The meeting will consider reappointment of joint statutory auditors at remuneration of ₹124 lakhs. The bank complied with RBI's Basel III capital regulations using standardized approaches for risk measurement and maintained strong liquidity with LCR at 120.97% and NSFR at 134.17%.
Segment Performance & Other Disclosures
Segment reporting showed Treasury contributing ₹790.99 crore to operating profit, Retail Banking ₹805.77 crore, and Corporate/Wholesale Banking ₹263.18 crore. The bank reported 12 fraud cases involving ₹32.65 crore with full provisioning, spent ₹21.32 crore on CSR, and maintained 949 branches with 8,894 employees as of March 31, 2026.
Capital Structure Impact
Post-ESOP allotment, equity share capital stood at ₹74.30 crore. The proposed capital increase to ₹200 crore enables future fundraising, while the QIP authorization provides potential for ₹500 crore capital infusion. The dividend payout would amount to approximately ₹148.60 crore based on current paid-up capital.